You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. You know which ones I’m talking about: rent, utilities, cell phone bill, insurance, groceries…

Although we can’t swipe these off the table for you, we can stop you from OVERPAYING them…

1. Credit Cards: Get Rid of up to $100,000

Your credit card is getting rich by ripping you off with insane rates, but a website called Fiona could help you pay them off tomorrow (if the balance is under $100,000).

Here’s how it works: Fiona will match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Take, for example, Katherine, who faced $12,000 in credit-card debt. Holding her back? The 15.24% interest rate. By refinancing with a 5%-interest, seven-year personal loan, she saved $12,000 in interest.

If she’d kept on the same road, she would have paid something like $14,000 in interest alone over 25 years. Yikes

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

2. Life Insurance: Take Back $100s

Have you thought about how your family would manage without your income after you’re gone? How they’ll pay the bills? Send the kids through school? Now’s a good time to start planning for the future by looking into a term life insurance policy.

You’re probably thinking: I don’t have the time or money for that. But your application can take minutes — and you could leave your family up to $1 million with a company called Bestow.

Rates start at just $5 a month. The peace of mind knowing your family is taken care of is priceless.

If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow.

3. Car Insurance: Cut Your Bill By $670 (With The Same Coverage)

When was the last time you shopped around for car insurance? Was it more than six months ago?

If so, you’re probably overpaying — by hundreds of dollars. Yep. Experts say you should compare rates twice a year to get the best deal.

Twice a year? Yeah, we don’t want to do that either.

A service called Zebra does all the shopping for you to find cheaper insurance — with the same coverage and deductibles you already have. And it saves customers an average of $670 a year.

We talked to Artie Januario, who found new insurance through The Zebra and managed to knock off $30 a month — or $360 a year — from his premium.

All you have to do is enter basic information about your car and driving history, then The Zebra compares prices from more than 100 companies to find you the best price.

4. Cell Phone: Cut Your Bill By More Than Half

In these stressful and uncertain times, the last thing you should have to worry about is whether you can pay your cell phone bill.

They’re expensive, though! The big wireless companies will charge you an arm and a leg, and it feels like the cost just keeps going up.

One company is slashing prices, though. In this economically shaky time, a discount wireless carrier called Twigby just rolled out three new smartphone plans with lower prices than ever, starting at $15 a month.

It worked for Zak Wilson. He’d been paying Verizon Wireless about $180 a month for two lines. So he tried Twigby. For both phones, he’s now paying $60 a month.

With Twigby, you get to build your plan. Each plan comes with unlimited texts, then you choose how many minutes and how much data you need each month. Plans also include free Wi-Fi calling and texting.

6. Mortgage: Cut Your Payment (Legally)

With so much talk about stimulus money and hardship programs, it can be hard for homeowners to know what’s real and what’s still being debated in Congress. Here’s the thing — the best way to reduce your mortgage payment (legally) is already available.

Interest rates are historically low right now — probably cheaper than when you bought your home. Figure can help you take advantage of these low rates to cut your monthly mortgage payments. You’ve probably heard of this process before; it’s called refinancing.

Even a small difference in interest rate can make a big difference. We spoke to Kristin Worthington, a Texas mom who, along with her husband, refinanced her home.

Refinancing dropped the couple’s interest rate from 4% to 3.75%, saving them about $300 each month.*

*Refinancing at a longer repayment term may lower your monthly loan payments, but may also increase the total interest paid over the life of the loan. Depending on your cash-out amount, your monthly payments may increase, even with a lower APR.

**To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.